About Harmony Smith

Harmony Smith blogs at CreatingMyKaleidoscope.com. She is a working mom of five who is fighting to pay off debt, so she can escape from her 9-5 job, and spend more time with her family. Harmony blogs about saving money, increasing her income with side hustles, DIY projects, and other adventures.

Discover the Online Stock Broker with an Award-Winning History [Ally Invest Review]

  There are many options for putting your money in the market and growing your investment. If you’re looking for a way to invest your hard-earned cash, consider going with an online platform such as Ally Invest. Ally Invest stands out from other major online brokers because it offers both self-directed and cash-enhanced managed accounts with low minimum balances. It also offers low-cost stock trading ($4.95). It’s a great … [Read more...]

10 Ways to Save Money While Shopping at Whole Foods

Frugal shoppers may think they can't keep food cost low and enjoy the health benefits of organic food. Whole Food Markets is known for its organic selections and carries some fairly expensive, higher-end products. It's no wonder why many choose to shop elsewhere, but they are missing out. By following a few simple tricks, you can score big deals and save money while shopping at Whole Foods. 1. Bring Your Own Bags Before leaving home make sure to grab some of … [Read more...]

6 Best Online Training Sites to Expand Your Skills

The internet continues to offer new and expanded opportunities for people all over the world. There are a number of platforms, often referred to as massive open online courses, that allow users to learn new things, without the typical time restraints or cost of more traditional educational options. Users can often access the course materials at any time of the day and night. Online training sites are wonderful places to learn a … [Read more...]

7 Solid Online Alternatives to Paying Hefty Cable Bills

When people are looking for ways to save money, one of the first suggestions they usually come across is to “cut cable.” The cost of traditional cable or satellite television continues to rise. Eliminating this monthly bill can have a considerable impact on your finances. However, you will probably still want to enjoy watching some of your favorite entertaining programs. Fortunately, there are many options available to help you save money while still being able to watch … [Read more...]

5 Savvy Tips for Saving Money on Your Next Trip to Costco or Sams

Warehouse stores have been around for years and have become a weekly shopping excursion for many suburban families. According to Wikipedia, 1983 marked the opening of Costco Wholesale and Kmart's Pace Membership Warehouse (later sold to Sam's Club). They certainly can be an attractive way for families to shop and save money. Why do you shop there?  Yes, you know you do.  It's because you can buy large wholesale quantities at a cheaper price which ultimately keeps more … [Read more...]